moo delphi training course.md
This document is a comprehensive training guide for CGH/Delphi agents on placing business with Mutual of Omaha (MoO). It is organized into ten modules that cover the carrier’s unique characteristics, case‑manager thinking, step‑by‑step case walkthroughs, a detailed FAQ, common mistakes, coaching style, decision‑training scenarios, knowledge checks, escalation procedures, and final takeaways. The guide emphasizes MoO’s automated, prescription‑database underwriting, the hard auto‑decline rule for clients above Table 2 weight with impairments, insulin‑related declines, the three‑or‑more blood‑pressure‑medication rule, the two‑year blood‑thinner requirement for AFib, and the acceptance of non‑insulin diabetic injections (Ozempic, Wegovy, Semaglutide). It also outlines the $550,000 coverage limit (as of April 2026), the guaranteed‑to‑age‑120 feature of IUL Express, the ~80 % living‑benefits benefit mix, and the more complex HIPAA e‑app process (including a six‑digit tech signature code). The guide provides a concrete case study, a 20‑question FAQ, a list of common agent mistakes, a prescribed coaching tone (direct, practical, “Tanya‑style”), decision‑training scenarios with recommended responses, knowledge‑check questions, and explicit escalation triggers (e.g., undocumented medication combos, Living Promise product gaps, state‑specific overrides). The final sections distill five core principles, five frequent mistakes to avoid, and five situations where agents should ask clarifying questions before advising. Throughout, the document stresses that agent notes cannot override MoO’s automated underwriting, that agents must prepare clients for the HIPAA steps, and that any gaps in source documentation must be escalated to Tanya or the carrier’s new‑business line (800‑867‑6873).
Topics
Carrier Differentiators: Automated Underwriting and Age‑120 Guarantee
Key features that set Mutual of Omaha apart, including prescription‑database automation, guaranteed coverage to age 120 on IUL Express, and ~80 % living‑benefits coverage.